203 SW SILVER PALM DRIVE, LAKE CITY, FL, 32024
Active19 days on marketListed Jul 22, 2026MLS #GC542164
About this home
203 SW SILVER PALM DRIVE
Luxury Living Starts Here! 4 Bedrooms Under $400K in One of Lake City’s Most Sought-After Communities! Welcome to The Preserve at Laurel Lake, where luxury, location, and exceptional value come together in this stunning 2025 Adams Homes residence. Offering 4 spacious bedrooms and thoughtfully designed living spaces, this move-in-ready home delivers the perfect blend of modern elegance, comfort, and convenience. Step inside to an open-concept floor plan featuring soaring ceilings, abundant natural light, luxury vinyl plank flooring, granite countertops, spacious bedrooms, and a private owner’s retreat designed for relaxation. Every detail has been carefully selected to create a home that’s as beautiful as it is functional. Designed with both comfort and peace of mind in mind, this exceptional home includes a built-in security safe, a reverse osmosis water filtration system in the kitchen, and a beautiful white privacy fence surrounding the property, creating the perfect backyard retreat for entertaining, relaxing, or enjoying peaceful North Florida evenings from the covered lanai. Residents of The Preserve at Laurel Lake enjoy outstanding community amenities including a resort-style pool, tennis courts, basketball court, playground, clubhouse, sidewalks, and beautifully maintained common areas—all with a low HOA. Perfectly located just minutes from I-75 and US-90, you’ll enjoy quick access to shopping, dining, medical facilities, and everyday conveniences while still enjoying the quiet charm of one of Lake City’s premier neighborhoods. Outdoor enthusiasts will love being just a short drive from the crystal-clear waters of Ichetucknee Springs, the scenic Santa Fe River, and countless opportunities for kayaking, tubing, fishing, hiking, and exploring the natural beauty that makes North Florida so special. Families will appreciate the home’s proximity to A-rated schools, making this an ideal location for those seeking both an exceptional lifestyle and quality education.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,882
Sqft
0.25 ac
Lot size
2025
Year built
One
Levels
$212
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,797 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,797/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+6.4%
$/sqft vs Lake City actives
$212 vs $190
Days on market
19 vs 55 typical
Where $212/sqft sits among the 59 Lake City actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Lake City
Get to know Lake City. See the full Lake City guide →
LAKE CITY 32024 — neighborhood snapshot
Population
20,644
Median age
44.2
Median income
$62,066
Median home value
$201,700
Avg household
2.6
Households w/ children
2,304
For the school run
Columbia County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake City market
$325K → $262K
Lake City median sold, yr/yr
95.7%
Sale-to-list ratio (12 mo)
28 of 59
Lake City actives have cut their price
Median sold price, Lake City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% above the LAKE CITY 32024 median. See the full Lake City market guide →
Paper trail
This home's history
Reality check
What actually sold near 203 SW SILVER PALM DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$369,650
798 SW ROSEMARY DRIVE · same community
4 bd · 2 ba · 1,820 sqft · $203/sqft · 196 DOM
Sold · Apr ’26$369,150
424 SW SILVER PALM DRIVE · same community
4 bd · 2 ba · 1,820 sqft · $203/sqft · 58 DOM
Sold · Mar ’26$369,000
329 SW SILVER PALM DRIVE · same community
4 bd · 2 ba · 1,820 sqft · $203/sqft · 96 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 203 SW SILVER PALM DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 203 SW SILVER PALM DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
203 SW SILVER PALM DRIVE FAQs
What would the monthly payment be for 203 SW SILVER PALM DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,797/mo — principal and interest, the actual property-tax bill, the $70/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 203 SW SILVER PALM DRIVE?+
The association fee works out to $70 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 203 SW SILVER PALM DRIVE?+
The most recent tax bill on record (2025) was $501. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 203 SW SILVER PALM DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Lake City?+
At $399,000, this home is priced right at the Lake City median.
Which schools are assigned to 203 SW SILVER PALM DRIVE?+
Westside Elementary School (elementary), Columbia High School (high) — Columbia County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of DANIEL CRAPPS AGENCY, INC. · Arri Simque. MLS #GC542164.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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